Fix Obvious Mistakes. 
Your credit score is what shows up in your credit report. Go through your reports from every one of the three credit bureaus for inaccuracy once a year as well as a number of months before applying for a loan. Altering a inaccuracy on your report can take 30 days to three months, or more. Obtain your credit report from the three most important bureaus: Experian, Trans Union and Equifax.  The tips listed here, can help you learn how to fix your credit score.

Pay Bills Punctually.
Payment history makes up thirty-five percentage of your complete credit score. Your current payment history and status on accounts will bear much more influence than your payment history 4 to 5 years ago.

Skipping just one payment on an account can bash 50 to 100 points off of an individual's credit score.  Paying bills punctually and on time is the unsurpassed way to get started reconstructing your credit rating andimproving your credit score.

Condense your credit card and other account balances. A solidly biased aspect in your credit score is how to a great extent of money you indebted on your credit cards comparative to your entire credit threshold. In general, it's good to maintain your balances at or below 25 percent of your credit card threshold, this will help with improving their credit scores.

Do not Shut down Old Accounts. - Credit Score Help
At one time people were told to shut down old accounts they were not using currently. But with modern and up to date scoring practices that could in fact hurt your credit score.